We are not a Government agency, nor do we offer mortgages or any paid services, this is a just a blog, with informational posts about things I find in the Government mortgage schemes, and if it helps you , that is great.  If you find out something useful, let me know, and i will share it as well.

If you are in trouble with your mortgage, See the experts below.

Get free and independent debt advice

There is an overwhelming number of organisations and people out there offering advice and choosing who to go to can be difficult.

But remember many independent financial advisers may charge you for their services so always check first. The best thing to do is to contact or visit one of the following free and independent advice agencies.

• Citizens Advice Bureau
  The Citizens Advice Bureau helps you to deal with any legal, money, welfare benefit issues or other problems. To speak to someone face-to-face visit your nearest citizens advice bureau (details at www.citizensadvice.org.uk)




• National Debt Line
  National Debt Line is an independent charity that helps you to deal with debt problems. Phone 0808 808 4000 or visit www.nationaldebtline.co.uk




• Shelter
  Shelter is a charity that offers you help with housing, mortgage debt or problems with welfare benefits. Phone the free mortgage helpline on 0300 3300515 from 8am to 8pm Monday to Friday (incl Bank Holidays) and 8am to 5pm on Saturdays to Sundays (some mobile phone networks may charge for calls to this number). Or, you can visit www.shelter.org.uk/adviceonline




• Payplan
  Payplan gives you free and confidential advice on how to manage your debts. Phone 0800 917 7823 or visit www.payplan.com




• Consumer Credit Counselling Service
  The CCCS is a registered charity offering free, confidential advice and support to anyone worried about debt. Phone 0800 138 1111 or visit www.cccs.co.uk

  When you go to see an adviser it will be really helpful and save time if you take all the relevant information on this checklist
  with you. 
  If you’re feeling overwhelmed and stressed because of your mortgage, debt or financial problems, the NHS has launched a Credit Crunch stressline on 0300 123 2000 where you can discuss with an expert the issues that are affecting you and your family.

And remember, it’s never too late to get help and advice – you can get help even if your case goes to court. Everyone is eligible for support from a free court desk adviser and access to the service is available across the country. You should always go to a repossession court hearing.

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